jimmyd787

7 Contributions 35 People Helped

Member Since: February 2011

Most Helpful Contribution

Blue Cash Everyday® Card from American Express

Mar 17, 2019
nice card customer service is excellent
Helpful to 22 out of 27 people

my scores are 825,813 amd 840  i was approved for $13,800.

Activity (7 Total Contributions)

Blue Cash Everyday® Card from American Express

Mar 17, 2019
nice card customer service is excellent
Helpful to 22 out of 27 people

my scores are 825,813 amd 840  i was approved for $13,800.

Target® Credit Card

Jun 24, 2017
took 5.5 years to get a CLI
Helpful to 7 out of 9 people

always used it. never late. credit scores all over 800. finally they changed it to Target mastercard and raised limit from 700 to 2000

Walmart Credit Card

Jan 31, 2017
initial $3,600
Helpful to 3 out of 5 people

approval was instant all 3 scores 815,830 and 833

Target® Credit Card

Mar 06, 2017
use it monthly, never late for 6 years,
Helpful to 3 out of 5 people

had scores @ 740-750 when i got the card. 700 CL after 6 years using the card monthly and paying on time (never late) still CL 700 scores now 832,817 and 816  they are rude if you ask

for a credit limit increase

Orchard Bank Classic MasterCards

Mar 02, 2011

The soft inquires that they run during the pre-approval can count against your credit score and your auto insurance credit score

is is not true. if an inquiry hurts your score it's NOT a soft inquiry, it's a hard inquiry. i have hundreds of soft inquiries and check all three bureaus myself every day and my scores have went from EX 549, EQ, 566, TR 605 to EX 739, EQ 752 and TR 817 in a period covering 05-21-2009 to today (03-02-2011). i called orchard and asked and they INITIALLY do a soft inquiry and then when you actually apply they do a hard inquiry. it is the hard inquiry which drops your score. like i said i have HUNDREDS of soft inquiries and my scores are great...

Orchard Bank Classic MasterCards

Mar 09, 2011

there are two types of inquiries: soft and hard. i have hundreds of soft inquiries on my credit.

my scores are 749,752 and 817. a soft inquiry as an example is when you apply for a job, car insurance etc and they run your credit. these are found in a section of your report that says "inquiries which only you see and do not affect your score" or something like that. email me off list jimmyd787 at gmail dot com and i'll scan and email you mine so you can see what i'm talking about.   a hard inquiry is when you apply for credit. it affects your score. they can drop your score from 2 to 10 points for each one depending on your credit score and which bureau it is.

Orchard Bank Classic MasterCards

Mar 09, 2011

there are two types of inquiries: soft and hard. i have hundreds of soft inquiries on my credit.

my scores are 749,752 and 817. a soft inquiry as an example is when you apply for a job, car insurance etc and they run your credit. these are found in a section of your report that says "inquiries which only you see and do not affect your score" or something like that. email me off list jimmyd787 at gmail dot com and i'll scan and email you mine so you can see what i'm talking about.   a hard inquiry is when you apply for credit. it affects your score. they can drop your score from 2 to 10 points for each one depending on your credit score and which bureau it is.